No. It restores the marginal utility of the car for the current period, far from the $20 000. Which neatly explains why some people take weeks before they finally get the car to the shop instead of taking a day off on the spot, or why rent-a-cars are priced far less than their full retail price.

which is a logical construct which has no parallel in the real world. Why not? Because it assumes that people act logically, which they do not. It assumes that people have accurate information, which they do not. It assumes that people are honest, which we are not.

The goal of economists should not be devising a system for efficiency but devising a system that might be the most equitable if operated by liars and thieves for liars and thieves.

Austrian economics assumes people act toward their goals whatever those goals may be or however logical or illogical. It has nothing to do with accurate information or honesty. Now, neo-classical economics, maybe you have a point, I don't know. But you're simply wrong about Austrian economics.